When you finally get a moment of free time, you probably don't want to spend it reading prospectuses and reallocating your retirement funds. But ignoring your retirement accounts completely can lead you dangerously off track. If you want a hands-off retirement plan, you should take the following two steps first.

Target-date funds are bundles of investments you purchase together. These funds often have a year in their name, which represents your target retirement year. Their asset allocation automatically grows more conservative over time to help you protect your growing nest egg.

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Source Fool.com